4 Best Domestic Travel Insurance Companies in 2025
From jaw-dropping national parks to world-famous cities, the possibilities for a domestic vacation are endless. However, unexpected events such as flight cancellations, medical emergencies, or lost luggage can quickly turn your dream vacation into a stressful experience.
Regardless of your itinerary, securing travel insurance can be a wise invest before you depart for your trip. This protection works as your financial safety net, ensuring that you’re covered for various mishaps that could disrupt your plans and hurt your wallet.
To help you find the best travel protection for your next U.S. adventure, we’ve curated a list of the best domestic travel insurance companies so far this year.
Key Takeaways
After evaluating all 19 providers and 100+ plans available in the Squaremouth marketplace, we have selected Berkshire Hathaway Travel Protection as the top company for domestic travel insurance in 2025. Below are our best domestic travel insurance plan recommendations to cater to more specific coverages and group types:
- Best Overall Domestic Travel Insurance: Berkshire Hathaway – ExactCare Value
- Most Affordable Coverage: Berkshire Hathaway – ExactCare Lite
- Most Flexible Coverage Options: Seven Corners – Trip Protection Basic
- Best Plan for Families: Travel Insured International – FlexiPAX
What Factors We Considered
To ensure transparency and independence in selecting our travel insurance award winners, we base our decisions solely on Squaremouth marketplace sales data from the previous month, without any influence from insurance companies, business relationships, affiliates, or other external parties. Each award is given to the top-selling plans that meet the specific criteria outlined below.
- Best Overall Domestic Travel Insurance: Over 250 sales, destination in the US, emergency medical coverage of at least $10,000, and medical evacuation coverage of at least $50,000, sorted by the highest to lowest number of policies sold.
- Most Affordable Coverage: Over 100 sales, destination in the US, emergency medical coverage of at least $10,000, and medical evacuation coverage of at least $50,000, sorted by average premium from lowest to highest.
- Most Flexible Coverage Options: Over 100 sales, destination in the US, CFAR and IFAR filters selected, emergency medical coverage of at least $10,000, and medical evacuation coverage of at least $50,000, sorted by the highest to lowest number of policies sold.
- Best Plan for Families: Over 100 sales, destination in the US, number of travelers greater than or equal to 3, emergency medical coverage of at least $10,000, and medical evacuation coverage of at least $50,000, sorted by the highest to lowest number of policies sold.
Best Overall Domestic Travel Insurance
Berkshire Hathaway Travel Protection
- Best Plan: ExactCare Value
- The most popular plan among domestic travelers, protecting roughly 13% of all trips within the United States insured through Squaremouth
- More affordable than most comprehensive plans with comparable coverage limits, at an average price of $113, less than half the cost of the average domestic travel insurance policy
- One of the five providers that includes concierge service as part of coverage package, to assist you with booking dinner reservations, arranging golf tee times, and more
- Provides up to $15,000 in Emergency Medical coverage and up to $150,000 in Medical Evacuation coverage, which can help supplement existing health insurance while traveling within the U.S.
Berkshire Hathaway Travel Protection is one of the most recognized insurance brands in the United States. Their ExactCare Value policy is currently the most popular plan among domestic travelers, offering budget-friendly, no-frills coverage that’s well-suited for short-term domestic travel. Some key highlights include up to $150,000 in Medical Evacuation coverage, up to $750 in Baggage Loss reimbursement, and broad Trip Cancellation coverage that can provide reimbursement for trips canceled due to significant delays, inclement weather, employment layoff, and more.
The ExactCare Value plan also offers up to $15,000 in Emergency Medical coverage, which can supplement any existing health insurance in the event you get sick or injured during your covered trip.
Most Affordable Coverage
Berkshire Hathaway Travel Protection
- Best Plan: ExactCare Lite
- Costing $65 on average, this is the most affordable domestic travel insurance policy on Squaremouth, with a price tag roughly $200 below the overall average premium for domestic travel insurance
- Provides limited Trip Cancellation coverage to customers who are forced to cancel travel plans due to unforeseen events, a benefit not often found in low-cost travel insurance policies
- Offers coverage for pre-existing medical conditions if the policy is purchased within 15 days of your initial trip deposit
If you’re in the market for affordable travel insurance to cover your upcoming domestic trip, look no further than ExactCare Lite. This comprehensive plan by Berkshire Hathaway Travel Protection is currently the most budget-friendly plan for travel within the United States, averaging just $65. For the price, you still get a handful of popular benefits for the main domestic travel concerns, like Trip Cancellation, Trip Interruption, Emergency Medical, and Medical Evacuation.
While plans with more robust coverage can be found at higher price points, ExactCare Lite is still able to provide peace of mind without breaking the bank.
Most Flexible Coverage Options
Seven Corners
- Best Plan: Trip Protection Basic
- Four add-ons available during the checkout process, including Cancel for Any Reason (CFAR), Interruption For Any Reason (IFAR), Rental Car Damage Protection and Sports Equipment Rental
- With an average premium of $341, this plan is $180 less expensive than the average premium for plans with similar customization options
- Covers up to $30,000 in travel expenses per insured traveler, making it a great option for a variety of trip types, from budget-conscious travelers to those planning luxury trips
No two trips are identical, which is why it helps to have a policy that can be modified to fit your specific travel needs. Seven Corners’ Trip Protection Basic delivers this flexibility by providing a wide range of optional add-ons to travelers taking domestic trips. Notable additions include CFAR and IFAR, which can provide further protection for your prepaid, non-refundable travel expenses in the event you need to cancel or disrupt your travel plans. The policy’s optional Rental Car Damage Protection and Sports Equipment Rental coverage can also protect you from expenses related to damage done to rented property used during your domestic vacation.
In addition to these flexible benefits, Trip Protection Basic also offers well-rounded coverage, such as $100,000 Emergency Medical coverage, $250,000 Emergency Medical coverage, and 100% trip cost protection in the event of a covered cancellation.
Best Plan for Families
Travel Insured International
- Best Plan: FlexiPAX
- One of five policies that offers ‘Free Coverage for Kids’ pricing, allowing parents to protect their family vacations for less
- Allows travelers to enhance coverage prior to purchase through add-ons and upgrade bundles, such as increasing Emergency Medical coverage from $100,000 to $500,000
- One of the few policies on Squaremouth that allows customers to increase their Baggage Loss protection, with coverage limits reaching $2,500 per person
Traveling as a family can be both stressful and expensive. Travel Insured International attempts to address both of these problems with FlexiPAX. Their family-friendly pricing structure also allows for children 17 or under to be covered at no additional cost, which is a huge bonus for parents planning domestic travel with their little ones. The extensive amount of add-ons and coverage upgrades available also gives families the ability to customize their plan to meet their specific travel needs.
FlexiPAX is the plan of choice for over 16% of families insuring trips within the United States, making it the most popular policy this year.
How Much Does Domestic Travel Insurance Cost?
The average cost of travel insurance for a trip within the United States is roughly $245.
Travel insurance premiums depend on a variety of different factors, such as your age, trip length, coverage needs, trip costs and the type of policy you choose.
As a rule of thumb, comprehensive travel insurance policies will cost 4-10% of the prepaid, non-refundable travel expenses you choose to insure.
Domestic travel insurance is often less expensive than international travel insurance. This is mostly due to generally lower travel expenses and a lower demand for travel medical coverage.
Do You Need Travel Insurance for Domestic Travel?
Domestic travel insurance is designed to offer financial protection against unexpected events like lengthy flight delays, trip cancellations, medical emergencies, and lost luggage. While it may not be a requirement for your trip, purchasing a policy before you depart can allow you to travel with peace of mind.
We’d recommend travel insurance if the following scenarios apply:
- Taking a Long Trip: Traveling for longer periods of time leaves you more vulnerable to unexpected disruptions that result in financial loss.
- Taking an Expensive Trip: The more you spend on travel, the more you stand to lose if you’re forced to cancel your plans.
- No Existing Health Insurance: Travel insurance can cover unforeseen medical emergencies that occur during your trip.
- Want Peace of Mind: If you’re concerned about delays, cancellations, and other disruptions impacting your vacation, travel insurance can ease your mind and allow you to travel with confidence.
Travel insurance is not for everyone, and may not be necessary for your upcoming domestic adventure. Specifically, you may not need travel insurance if the following apply:
- Have Health Insurance: If you have healthcare through Medicare, Medicaid, or an employer-sponsored plan, you may not need additional medical coverage through travel insurance.
- Have Existing Travel Protection: Some credit cards now offer various travel protection benefits to members, which may offer suitable coverage for your trip.
- Taking a Short or Inexpensive Trip: Not all trips require travel insurance, especially those that are short or do not involve large travel expenses.
If you have questions about domestic travel insurance, or want to know if it is a worthy investment for your trip, we’re here to help. Contact our award-winning customer service department at 1-800-240-0369, available daily from 8 AM to 10 PM EST.
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